yeah um we're running out of time so let me try to get in two more questions one serious and hopefully one a little more fun so on the serious side um you've long been an expert on student loans you've been one of the four most uh knowledgeable people in dc on this issue and you worked on it heavily in your prior stint at the agency um you know obviously since you've come back there's been some focus already on for-profit institutions and how they're lending uh directly lending to some students and the conflicts of interest there but i'm curious on the bigger picture level this impacts so many people in america what more do you want to see around student loans what more protections need to be in place going forward we could talk for a whole hour on this just on this but look here's what i think people many people are dealing with right now is that their student loans did not necessarily get them ahead in life many of them have had to deal with a maze of bureaucratic red tape through financial companies to get in a repayment plan they can afford we saw millions and millions of defaults over the last 10 years and that has been devastating to people when it comes to trying to pass an employment verification check trying to even uh rent an apartment let alone buying a home so look we're going to wait and see on the uh what will be decided when it comes to any loan cancellation there's already been a lot of work over the past several years to cancel targeted sets of loans whether it's for public service whether it's for those who are defrauded and there's been some other groups i am concerned about the start of repayment again um i am worried about that it is something that we are thinking hard about and preparing for if it does um hap if it does come in may but really we need to rethink this system completely because um we really we created a mess many years ago we all saw how the abuses from sally may from others really set people back rather than got people ahead i think while there was so much attention on the subprime mortgage crisis in the mid 2000s less discussed was the massive kickback scandal between banks and student loan companies and schools so there's just so much to be done there heather and i think we want to make sure that the 40 million plus who are dealing with it you know are not left further behind um so from loan servicing to debt collection to credit reporting um there's just so there's a long list to fix when it comes to this this debt